Could I be legally responsible for any losses another driver on my insurance policy has whether they are driving my vehicle or theirs?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jan 12, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Green Bay, WI

Asked on 01/12/2012

Could I be legally responsible for any losses another driver on my insurance policy has whether they are driving my vehicle or theirs? If I add my boyfriend and his truck to my auto insurance policy and he gets into an accident while driving MY car, could I be sued personally if the amount of coverage wasn't't enough to cover any potential lawsuits? If so, and they other party won the lawsuit could I possibly lose any savings/investments/401K plans and/or have my wages garnished? Additionally, if he gets into an accident while driving HIS car could the same still possibly happen to me because he is on my policy even though we are not married and are both over adults?

Answer given on January 13, 2012

I am going to assume that your boyfriend lives in the house with you.  I would say that a good lawyer could try to attach your assets.  However, the fact that you are not married might make a difference.  This would also depend on the laws for your state.  It is best that you check with a litigation attorney in your state to be certain.  As an insurance professional however, I would suggest that you keep the insurance separate.  That way, your boyfriend’s driving record or any accidents he might have (present or past), will not effect your rates and your insurance history should the insurance company decide to cancel the policy.  Your boyfriend can still drive your car and your insurance will pay for any accidents.  However, combining insurance would mean that you also combine limits of insurance as well as rates.  You probably can get a better rate alone on your own policy.  Also, with separate policies, you don’t have to worry about ever getting sued for your assets.      


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption